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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,454 | $58,234-51.1% | $81,783-65.2% | $80,874-64.8% |
| Participation rate | 37.5% | 63.4%-25.9pp | 72.4%-34.9pp | 67.6%-30.1pp |
| Annual return | 8.94% | 41.70%-32.8pp | 775.05%-766.1pp | 35.62%-26.7pp |
| Employer contribution / active EE | $806 | $2,341-65.6% | $2,913-72.3% | $2,756-70.7% |
| Participant deferral / active EE | $294 | $3,283-91.0% | $4,320-93.2% | $4,297-93.2% |
| Admin fee / account holder | $1,049 | $4,982-78.9% | $7,380-85.8% | $6,935-84.9% |